Gavop's guide to buying homeowners insurance in Imperial, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $76,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $141,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $224,500 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $281,000 | $270,000 | $250,000-$300,000 |
| 5 Bedroom | $526,500 | $440,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $524 |
| Superior Protection Discount | -$55 | $561 |
| Fire & Security Discount | -$49 | $567 |
| Hail Resistant Roof Discount | -$18 | $598 |
| Newly Constructed Home Discount | -$173 | $444 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,295 |
| Hail Damage | $4,948 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,887 |
| Home Insurance Company Imperial, CA | Homeowners Insurance Agency Imperial, CA | Address | Popularity Score | Distance from Imperial (miles) |
|---|---|---|---|---|
| Allstate | Yasue Maeda | 218 S 8th St, El Centro, CA, 92243 | 3.2 | |
| Allstate | Julie L Oliver | 1699 W Main St Ste N, El Centro, CA, 92243 | 3.1 | |
| State Farm | Lawna Cervantes | 2299 W Adams Ave Ste 115, El Centro, CA, 92243-9445 | 2.9 | |
| State Farm | Steve Seibert | 1241 W State St, El Centro, CA, 92243-2832 | 3.2 | |
| Travelers | Smith-Kandal Insurance Agency | 510 West Main St, Brawley, CA, 92227 | 9.8 | |
| Allstate | Dora Plancarte | 906 S Imperial Ave, Calexico, CA, 92231 | 12.5 | |
| State Farm | Marianne Valenzuela | 605 W H St Ste 101, Brawley, CA, 92227-2250 | 9.6 | |
| State Farm | Aaron Villegas | 724 Emerson Ave Ste B, Calexico, CA, 92231-3195 | 12.1 | |
| State Farm | Marianne Valenzuela Fenley | 605 W H St Ste 101, Brawley, CA, 92227 | 9.6 | |
| Liberty Mutual Independent | Smith-Kandal Ins Agency | 510 W Main St, Brawley, CA, 92227 | 9.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Imperial County, CA | $167,700 | $1,359 | $1,010 | $1,850 | $840 |
| Imperial, CA | $209,200 | $617 | $460 | $840 | $380 |
| Calexico, CA | $182,500 | $610 | $450 | $830 | $380 |
| Holtville, CA | $163,400 | $1,065 | $790 | $1,450 | $660 |
| Imperial County, CA | $167,700 | $1,359 | $1,010 | $1,850 | $840 |
| West Imperial, CA | $95,900 | $496 | $370 | $670 | $300 |
| Bombay Beach, CA | $37,200 | $356 | $260 | $480 | $220 |
| Jacumba, CA | $129,900 | $555 | $410 | $750 | $340 |
| Salton City, CA | $106,200 | $515 | $380 | $700 | $320 |
| Borrego Springs, CA | $158,800 | $597 | $440 | $810 | $370 |
| Desert Shores, CA | $67,700 | $436 | $320 | $590 | $270 |